Investment Philosophy

Saving and investing money is central to most people's financial planning. However, many find this a difficult and complex area. Lack of the correct investment strategy, the inappropriate choice of investments, and lack of monitoring of investments commonly lead to disappointment.

It doesn’t matter whether you are saving and investing generally or specifically within a pension scheme, at EFPG we believe that choosing the right investment strategy is fundamental to investment success. With this in mind we have developed our own distinctive investment philosophy and market leading investment management service, both of which are provided through our Wealthbuilder savings and investment plan and the range of pension plans we advise on.

Our investment philosophy is based on certain core principles and the belief that investors' interests are best served by capturing the returns that investment markets provide:

  1. As simply and cheaply as possible
  2. In a way that avoids many aspects of investment risk that are, in our opinion, unnecessary and unrewarded

We believe that investing successfully does not have to rely on luck, speculation or particular market timing. Our approach is logical and factual based on how investment markets actually work over the lifetime of your investment.

Investing is simple, but not easy

Warren Buffet

Our History

EFPG was established in Gibraltar as European Financial Planning Group Limited in 2004 to provide financial planning advice to individuals and businesses in Gibraltar and Southern Spain. Since then we have experienced significant and steady growth:


Acquires Savignon

EFPG acquires the business of Savignon Financial Services Limited and Prescotts Insurance and Investments Limited in Gibraltar.


Acquires Passporting Rights

EFPG acquires passporting rights under Freedom of Services legislation to provide limited financial advice to various EU countries including Spain, and the UK.


Acquires Quest

EFPG acquires the business of Quest Financial Services Limited in Gibraltar.


New Service Range

EFPG Business and Owner Manager Services established


Acquires Eurolinx

EFPG acquires the business of Eurolinx (Gibraltar) Limited.


MIFID Passporting Rights

EFPG acquires full passporting rights under MIFID to provide full investment services in various EU countries including Spain, and the UK.


More New Services

EFPG introduces its own range of regular savings, lump sum investment and pension schemes, including QROPS and QNUPS schemes.


Company Division

EFPG splits its business into two separate entities. European Financial Planning Group focuses on acting as a regulated professional Trustee and pension operator and administrator. Effective Financial Planning Group focuses on proving financial advice as part of the Nexus Global (IFA Network).


New Company

European Financial Planning Group S.L. opens an office in Estepona to provide financial planning advice in Spain.



At EFPG we have an accomplished team with a vast amount of experience. Between us we have started and managed financial services and other companies and operational and technical divisions within them. We have managed clients' investment portfolios, established investment fund research capabilities, built and managed pension administration operations, and we have spent more years providing front-line client advice than any of us would want to admit. We have staff with legal, accountancy, tax, investment, pensions and financial advisory qualifications, indeed holding the requisite financial planning qualifications is a condition of performing any client advisory role in EFPG.

Joe Hill

Senior Advisor

Joe has worked in the financial services industry in Gibraltar for many years, and is extremely well known and respected locally. Hundreds, possibly thousands of people in Gibraltar have life insurance policies and investment and pension arrangements which were arranged with his help and they are happy to recommend his services.

Alan Montegriffo

Senior Financial Advisor

Alan is an Insurance Broker and has been in the industry for over 40 years. He brings a world of experience to the group and is well recognised locally for his professional approach to business.

Mark Leer

Senior Financial Advisor

Mark is a UK level 4 qualified advisor with over 39 years’ financial services experience. Mark worked at Standard Life in Corporate Pensions for over 17 years and has also worked in the Wealth Management and General Insurance areas. Currently he lives in Spain and has also previously worked and lived in Dubai, India, Egypt and Turkey building years of experience advising expatriates on their particular financial requirements.

Toby Barnes

Advisor & Technical Manager

Toby has been with EFPG since 2013 and holds a Bachelor of Science Degree in Human Psychology from Aston University. Toby previously worked as a Telecommunications planner in London and Madrid, the finance division of Cambridge University, and has an extensive background in investment portfolio and administration in the Gibraltar fund industry. Toby specialises in technical analysis and support and also undertakes corporate financial planning and product design.

Andrew Almeida


Andrew graduated in Law with Honours at Brunel University in West London, gaining legal experience locally before joining EFPG in 2014. He is qualifying in regulated financial planning and is a member of the Chartered Insurance Institute and of the Personal Finance Society. Andrew specialises in pensions and taxation and also has considerable experience in UK tax planning.

Mark Armstrong

Financial Advisor

Mark joined EFPG in 2016 after graduating from Liverpool John Moores University with a BA Honours in Business Management. He is currently a member of the Chartered Insurance Institute and has a diploma in Regulated Financial Planning. Mark’s roles include paraplanning and investment analysis as well as providing advice on Life Insurance and Personal Pension products.

Tanya Wilkinson

Adviser and Marketing & Sales

Tanya joined EFPG in 2014 and as well as providing financial planning advice she has marketing and sales responsibilities. She has two decades of experience in sales, business development, account and client relationship management. Tanya has a particular affinity in providing financial planning advice to women.

The VIPs

The team on whom we REALLY rely

Shannon Olivares, Maureen Martinez, Valerie Bugeja and Carol Johnston.